Toyota Tundra Insurance Rates

The average Toyota Tundra insurance costs drivers $1,468 a year for full coverage. This figure is based on a variety of individual factors such as your age, location, and the model year of your car. For example, 2018 Toyota Tundra insurance costs less than the newest model.

In order to help you secure the best Toyota Tundra car insurance rates and policy, we have compiled a lot of helpful information in this guide. Start reading through the information below so you can finally answer the question, “How much does a Toyota Tundra?” cost for yourself.

You can even start comparing Toyota Tundra insurance quotes from multiple companies by entering your ZIP code into our free tool.

Average insurance prices for a Toyota Tundra are $1,442 every 12 months including full coverage. Comprehensive costs around $306, collision insurance costs $506, and liability insurance costs $450. A policy with just liability insurance costs as little as $518 a year, and coverage for high-risk drivers costs around $3,106. 16-year-old drivers receive the highest rates at up to $5,420 a year.

Average premium for full coverage: $1,442

Rate estimates for individual coverage type:

Price estimates include $500 policy deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and for different Tundra trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on the price of insurance. Areas with sparse population tend to have more infrequent comprehensive and collision claims than congested cities. The price range example below illustrates how geographic area affects auto insurance rates.

These examples highlight why anyone shopping for car insurance should compare rates for a specific zip code and their own driving history, rather than relying on rate averages.

Use the form below to get customized rates for your location.

More Rate Details

The chart below breaks down average Toyota Tundra insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $843
• Drivers who choose higher $1,000 deductibles will pay about $182 every year
• The average price for a 40-year-old driver using $500 deductibles is $1,442
• Buying more expensive low deductibles for comprehensive and collision insurance increases the price to $1,800
• High risk drivers with multiple tickets or accidents could pay at least $3,106
• The cost to insure a teen driver with full coverage can be $5,420 a year

View Chart as Image

Insurance rates for a Toyota Tundra can also vary considerably based on policy deductibles and limits, your driving characteristics, and the trim level and model year.

Opting for high physical damage deductibles could save up to $540 each year, while increasing your policy's liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $405 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles could pay as little as $1,300 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared to pay as much as $5,400 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying at least $1,700 to $2,300 additional per year, depending on your age. High-risk driver insurance can cost anywhere from 42% to 131% more than the average rate. View High Risk Driver Rates

Where you live makes a big difference in Toyota Tundra insurance rates. A 40-year-old driver could pay as low as $1,110 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,060 on average in Michigan, New York, and Louisiana.

View Chart as Image

Insurance Rates by Trim Level and Model Year

Rates assume 2023 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Shop for Cheaper Toyota Tundra Insurance

Saving money on Toyota Tundra insurance not only requires avoiding accidents and claims, but also having above-average credit, not filing small claims, and deciding if full coverage is necessary. Invest the time to compare rates at least once a year by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The points below are a condensed summary of the primary concepts that were presented in the illustrations above.

• You may be able to save up to $170 per year just by shopping early and online
• High-risk drivers with multiple at-fault accidents could be forced to pay on average $1,660 more every year to insure a Toyota Tundra
• Increasing deductibles could save as much as $550 each year
• Drivers under the age of 20 are charged the highest rates, as much as $452 per month if full coverage is included

Some might asking, “How much does a fully loaded Toyota Tundra cost?” It has one of the highest priced pickup trucks at $33,500 and up in depending on the year.

What problems do Toyota Tundras have? The most common issues reported to RepairPal included:

• Ticking Noise From Failed Exhaust Manifold (260 people have reported this)
• Toyota Recall For Lower Ball Joint Issue (199 people have reported this)
• AIR injection Pump failure (136 people have reported this)
• Oxygen Sensor May Fail (123 people have reported this)
• All other reports issues were under 30 reports.

Now that you have a better understanding of how Toyota Tundra car insurance rates are determined, the next step is to find out what your policy might look like. Take advantage of our free quote tool below to compare Toyota Tundra insurance costs from top companies.

What are the safety ratings of the Toyota Tundra?

The safety ratings of the Toyota Tundra are important to know because positive scores translate to lower insurance rates. 

Take a look at the Toyota Tundra’s crash test ratings as determined by the Insurance Insitute for Highway Safety.

• Small overlap front (driver-side): Marginal
• Small overlap front (passenger-side): Poor
• Moderate overlap front: Good
• Side: Good
• Roof strength: Acceptable
• Head restraints and seats: Good

As you can see, the crash test results of the Toyota Tundra are a mixed bag. Some parts of the truck performed well while both sides of the overlap front have room for improvement.

Toyota Tundra Compared Against Other Vehicles in the Same Class

Since the Insurance Institute for Highway Safety classifies the Toyota Tundra as a large pickup truck, there is plenty of competition in this vehicle segment. 

Take a look at the following three pickups that are comparable to the Toyota Tundra. By doing so, you will begin to see what average insurance rates look like for this vehicle segment.

• Chevrolet Silverado
• Nissan Titan
• RAM 1500

We have uncovered a lot of information about the Toyota Tundra, so is there anything we might’ve missed? If not, start comparing Toyota Tundra insurance rates from multiple companies by using our free online quote tool.